So Idol gets back its old producer… Ellen is leaving and Jennifer Lopez is replacing her… REALLY? Her last movie flopped, the American people obviously don’t like her as proof by no one going to see her movies, no one bought her music, hence Sony Music dropped her from the label earlier this year… Kara was let go this morning and Nigel the producer isn’t finished with his changes yet, he says they need to go back to a three judge panel, this I do agree with, the idea of 4 just never made any sense, the fate of Randy Jackson still is up in the air, although I think they need to keep him, oh and they are now talking to Steven Tyler to replace Simon, REALLY? Why not talk to Ron Wood from The Rolling Stones too? I though the idea of American Idol was to discover new young fresh talent? It used to be fun to watch, I hope Nigel can resurrect the show, but my money would be on this being the end of a show that really didn’t have to be!

‘To get something you never had, you have to do something you never did.’

When Gd takes something from your grasp, He’s NOT punishing you, but merely opening your hands to
receive something better.

Concentrate on this sentence… ‘The will of Gd will never take you where the Grace of Gd will not
protect you.’
Something good will happen to you today; something that you have been waiting to hear.

This is not a joke; someone will call you by phone or will speak to you about something that you
were waiting to hear. Do not break!

Send this to a minimum of 3 people… But, not before you read below

There comes a point in your life when you realize:

Who matters,
Who never did,
Who won’t anymore…
And who always will.
So, don’t worry about people from your past,
there’s a reason why they didn’t make it to your future.
Send this to everyone you don’t want to lose in 2010
Including me, if that’s what is in your heart.
Try to collect 8 ; it’s not easy!

A Rich Stevens app at that!
I am really excited that the app is done and ready… See the screenshots by going here MyCustomWebApp.com
More to come baby…

People often ask can you be sued for credit card debts and the short answer is yes you can. You owe this money and you need to repay it or your creditors will take action against you. But the good news is that there are various laws and regulations in place that these financial institutions must adhere to. You, as a consumer, are very well protected especially when compared to practices outside of the US.

There are two types of law, State Laws and Federal Laws. Every State will have their own rules with regard to debt collection so it is best if you read up on your local ones. Your bank or financial institution will be able to provide you with a copy of the relevant laws. There should be a statute of limitation which will dictate how long your creditors have to file a lawsuit to recover their money.

This does vary but usually lies within 3 to 10 years but you should check. Federal laws apply to everyone regardless of where you live. The law you are probably now most interested in will be the Federal Fair Debt Collection Practices Act. This law covers how your creditors must behave when attempting to collect monies due. It also dictates where and when lawsuits can be filed if you live in a different state to your creditor. Another act you should familiarize yourself with is the Credit Card Reform act. Depending on your age and circumstances, you may find that some of these provisions are relevant to your case.

If you are having problems repaying your debts, make an emergency appointment with a local debt counseling service. You should be able to find a free adviser in your area such as one provided by a charity. If possible avoid the paid debt negotiation advisers as any spare funds you have should be directed towards repaying your creditors. Your adviser and the people you owe money to will want to see a full income and expenditure account. You will need to write down exactly how much money you make from all sources and what you spend this money on. Some debts are a priority meaning that you should always pay these first but your adviser will go through this with you.

Whatever you do, do not ignore the situation you are in. It will only get worse. All credit card debt problems can be resolved one way or another. Bankruptcy is always an option although one you do not want to enter into lightly and definitely not without proper advice.

Suing you isn’t your creditors’ only option. They could sell your debt onto a third party company who won’t care what your personal circumstances are. But if you have had a good record with your bank and your money problems are recent, you may find that they are willing to work with you to reach a solution.

So now you know the answer to can you be sued for credit card debts is yes, you need to do everything you can to avoid this scenario.